The vested benefits custody account

The vested benefits custody account is an ideal complement to the vested benefits account. Instead of simply parking your pension assets from the 2nd pillar in an account, you can invest them in securities solutions.

Your benefits with the vested benefits custody account

Security

You invest in the Swisscanto investment range, which performs well in the long term.

Flexible and professional

You can also invest smaller amounts and gain access to highly diversified, actively managed and index-linked pension products.

Higher earnings potential

You benefit from higher potential returns in the long term compared to the interest on the vested benefits account.

Suitable for your risk tolerance

Choose actively managed or index-linked pension products and select the equity allocation that suits your personal risk assessment.

Security

You invest in the Swisscanto investment range, which performs well in the long term.

Higher earnings potential

You benefit from higher potential returns in the long term compared to the interest on the vested benefits account.

Flexible and professional

You can also invest smaller amounts and gain access to highly diversified, actively managed and index-linked pension products.

Suitable for your risk tolerance

Choose actively managed or index-linked pension products and select the equity allocation that suits your personal risk assessment.

How the vested benefits custody account works

You decide individually how much you wish to invest in securities. Your credit balance is invested in Swisscanto investments in line with your strategy. You can buy and sell securities on a daily basis, according to your investment strategy and within the legal requirements, and in this way participate in the development of the financial markets.

Good to know: you have to sell second pillar investment products as soon as you reach the reference age. With our follow-on solutions, you can continue to participate in the development of the financial markets.

Your tax advantages

No wealth, income or withholding taxes are incurred during the term. Your capital is taxed at a reduced rate upon disbursement.

Who benefits from the vested benefits custody account?

The vested benefits custody account is an option for investors who want to achieve a higher long-term return with their 2nd pillar.

Open a vested benefits account

Are you planning not to work for a while or to become self-employed? Then park your money from the second pillar safely with the Vested Benefits Foundation of Zürcher Kantonalbank.

Open an account (in German)

Our pension products

Think about your private pension today. The sooner you invest, the more care-free you can look to the future.

Learn more

Our pension products

What is the second pillar?

Find out more about the 2nd pillar and the Swiss 3-pillar pension system.

Learn more (in German)